Nova Credit Cash Flow Solutions to be Utilized by Chase

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09/03/2025 - 11:00 AM

Nova Credit's platform and advanced analytics to enhance Chase underwriting capabilities

NEW YORK--(BUSINESS WIRE)-- Nova Credit, a leading credit infrastructure and analytics company, today announced that Chase has selected Cash Atlas™ to power its cash flow underwriting capabilities. Chase will also use Nova Credit’s Credit Passport® to access and decision with international credit data. These solutions will enable Chase to serve more customers across the U.S. who have limited credit history or are underserved by traditional credit models.

“Nova Credit is excited to expand our relationship with Chase to include Credit Passport and now Cash Atlas,” said Collin Galster, COO of Nova Credit. “Cash Atlas is unique compared to traditional credit data solutions as it generates a complete risk profile for no file, thin file, and even thick file consumers. We believe this is the future of consumer underwriting, helping to responsibly serve more people through the power of cash flow analytics.”

"Chase is committed to being the bank for all and tools like Cash Atlas and Credit Passport will help with this mission by giving us a more comprehensive view into each individual and their credit needs,” said Chris Reagan, President of Chase Branded Cards. “With this new data source, we can better assess credit risk, make more informed lending decisions, and approve customers with right-sized lines of credit.”

Cash Atlas provides FCRA-compliant cash flow analytics that capture consumers' actual financial health through trended data on income, expenses, and assets. This creates a more comprehensive view of the consumer.

For more information, please visit www.novacredit.com and apply to attend the Cash Flow Underwriting Summit on September 10^th.

About Nova Credit

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data. The company leverages its unique data infrastructure, industry-leading analytics & FCRA-compliance to help lenders fill in the gaps that exist in traditional credit analytics. Nova Credit provides access to the fragmented universe of consumer financial data and transforms it into compliant, actionable risk analytics through a suite of solutions designed to increase conversion through expanded coverage, speed, and reliability. Nova Credit supports over 5,000 businesses including organizations such as HSBC, SoFi, Scotiabank, Appfolio, and Yardi, who work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly and accurately verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Learn more at www.novacredit.com or reach out to connect@novacredit.com.

About Chase

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States of America with assets of $4.6 trillion and operations worldwide. Chase serves more than 85 million consumers and 7 million small businesses, with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: Nearly 5,000 branches in 48 states and the District of Columbia, nearly 15,000 ATMs, mobile, online and by phone. For more information, go to chase.com.